nasution, syuaib
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EFFECT OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL ON CAPITAL ADEQUACY RATIO (CAR) IN PT. BNI SHARIA PERIOD 2011-2018 arjun, arjun; windari, Windari; hardana, ali; nasution, syuaib
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Abstract

Based on data obtained from the financial statements of PT. BNI Syariah for the period of 2011-2018 an increase in the value of CAR is not in line with an increase in capital but an increase in CAR while capital has decreased in 2012, 2016 and 2018. A decrease in the value of CAR is not in line with a decrease in capital but a decrease in the value of CAR while capital has increased in 2017. The purpose of this study was to determine the effect of core capital and complementary capital variables partially and simultaneously on CAR at PT. BNI Syariah for the period of 2011-2018. The results of the partial research (t test) core capital has no partial effect on CAR as evidenced by tcount ttable (1,296 2,045), and supplementary capital has a negative effect on CAR as evidenced by tcount ttable ie (-2,849 - 2,045). Whereas simultaneously core capital and supplementary capital variables have simultaneous (joint) influence on CAR as evidenced by Fcount Ftable (4.060 3.33).
THE EFFECT OF THE MOTIVATION OF AVOIDING RIBA AND KNOWLEDGE OF SHARIA BANKING PRODUCTS ON THE DECISION TO BECOME A CUSTOMER AT PT. BANK MUAMALAT INDONESIA TBK KC PADANGSIDIMPUAN mutiara, heni; windari, Windari; hardana, ali; nasution, syuaib
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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This study aims to determine the significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at PT. Bank Muamalat Indonesia Tbk KC Padangsidimpuan. The method used in this research is descriptive quantitative. The data collection techniques used were questionnaires and documentation. Sampling in this study using random sampling with a sample size of 99 people. To simplify the data analysis process, this research was assisted by the SPSS version 23 program. The t test results indicate that there is a significant influence between motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer. Based this shows that the influence of the motivation variable to avoid usury and knowledge of Islamic banking products on the customer satisfaction variable.
Factors Affecting the Interest of Prospective Hajj Pilgrims Choosing Arafah Savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan lestari, afni; harahap, darwis; lestari, sry; nasution, syuaib
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : http://jurnal.iain-padangsidimpuan.ac.id/index.php/jsbanking/index

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Abstract

This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan.